Ukuthengiswa wabaqokeleli-matyala. Isivumelwano sentengiso kwamatyala of amaqumrhu asemthethweni kunye nabantu zibhanki abaqokeleli: isampuli

Ukuba unomdla kwesi sihloko, kuba kusenokwenzeka ukuba idlule mboleko ngenxa, kwaye nani into efanayo njengoko uninzi abanamatyala - yentengiso ityala. Ngaphezu kwako konke, oku kuthetha ukuba xa sukuba usenza mboleko ozama ukufumana imali esandleni ngokukhawuleza kangangoko kunokwenzeka, kodwa ndicinga ukuba kuyimfuneko ukuhlola isivumelwano ngenyameko.

Ukuba ngasentla awusebenzi kuwe, uyazi, ngubani na abaqokeleli kunye nokuthengiswa amatyala ziibhanki, baya kuba aphume ndawo ngayo. Ngapha koko, ukuba wena okanye umntu omaziyo endlwini zeza manenekazi, bonke umva uye aphume. Ngoko ke, ukuba azi njani ukuba abe kwimeko enjalo, kuya kuba kuhle kakhulu ngenene.

Ngoobani na nababuthi?

Abantu abaninzi baye baliva ilizwi, balamkele kwaoko lengqondo edakogo ngomtshini " 'umzalwana', indoda isityhwentywe semali kunye ikhuni, wabethwa ngokuphuma ematyaleni kwenu. Enyanisweni, yonke into ayikho ebuhlungu kangaka. Loo indlela unkqonkqozayo imali - lityala lolwaphulo-mthetho. Kwakufuneka elide ukususela bambalwa abantu basebenzisa.

Enyanisweni, abasebenzi inkampani umqokeleli - abantu imfundo kwezoqoqosho / zomthetho okanye abe ngengqondo idiploma. oonogada Owayesakuba kwezi zakhiwo kuza kuyo rhoqo.

Injongo yale abasebenzi arhente eqokelela uza kubuya ityala. Bona banakho ukubiza kuwe, ukubhala iileta, tyelela apha umntu ekhaya nasemsebenzini, nokuba ukusebenzisa ezinye iindlela ezisemthethweni. Intengiso labaqokeleli-matyala ningabaniki ilungelo ukoyikisa wena nosapho lwakho, ukonakala kwempahla, izisongelo, kunye nezinye iindlela ezifanayo. Konke oku sisizathu sokuba isibheno sakho emapoliseni.

Kutheni ibhanki uthengisa ityala lakho?

Oku ingongoma ebalulekileyo, nto leyo nayo angena kubethwa ngoyaba. Xa nasiphi na isivumelwano semali-mboleko ngokuyimfuneko abhalwe imiqathango phantsi apho ibhanki unelungelo kubabela ityala kwabanye abantu. Le ukuthengisa ityala kakubi. Oko kukuthi, ibhanki, eninika imali, ufumana ilungelo lokufuna ukuba nabo umva. Loo ilungelo phantsi komthetho ukuhambisela nabani zombini qho ihlawulwe kwaye simahla. Kodwa enyanisweni, ukuze nabani na kodwa kubaqokeleli, i "ulonwabo" ayikho imfuneko. Qaphela ukuba bawuvumele lo ukugqithiselwa ityala akukho ubani uyanibuza, kodwa lazise le nto uyityalayo.

Amaninzi, ezi mboleko zithengiselwa abaqokeleli:

• akaqinisekiswanga isibambiso okanye ngummeli wowona ulungileyo;
• umthengi;
• overdraft;
• phantsi kwayo ungaphantsi kwama-300 lamawaka. engange.

Kaninzi basebenza kunye nabaxumi kwiibhanki zabo bengengabo inzuzo, ukuba kungcono ukuba athengise. Emva iindleko zomthetho ukuze ibe ngaphezu mboleko ngokwayo.

Oko kungenza yebhanki?

Intengiso abantu amatyala kulo mzekelo enokwenziwa ngeendlela ezimbini:

• ukunikezela ngeenkonzo ukuba ahlawule ityala;
• transfer lokugqibela amalungelo otyalwayo ukuba omnye umntu.

Indlela yokuqala - ukupheliswa isivumelwano kubonelelo ngeenkonzo yokuqokelela. Kulo mzekelo, ubumnini uhlala ne ebhankini, ndaza sokuqokelela lifumana ikhomishini le nkonzo. Le ndlela yeyona kunceda kakhulu ukuze client. Ukukhathazeka ngayo isidima sabo, ibhanki iya kuba indlela ngenyameko kakhulu ekukhetheni ummangali, kwakunye neendlela imisebenzi yayo. Oku kuthetha ukuba onetyala kukuthi, Kakade ke, kuya kuba iminxeba okukruqulayo phone, iileta kunye notyelelo, kodwa amanyathelo isicelo esengozini oko kuvumelekile, mhlawumbi, nakanye.

Le ukhetho yesibini - ityala lilonke intengiso okanye ikhontrakthi ngolwabiwo mali. Le ndlela kungabangela onetyala kuba uniphawulele umhla. Inyaniso kukuba emva kokuba isivumelwano kunye nabaqokeleli-Bank yanelisekile imali efunyenweyo, kwaye wayesakuba unetyala ayikho nangayiphi na indlela anomdla ngakumbi. Ngoko ke, musa inkathalo kunye namanyathelo isicelo ukubuyiselwa imali. Ngoko ke, abaqokeleli, ingakumbi ayinabulungisa, nathi, musa madolw 'anzima. Kule khosi bonke kuvumelekile, kwaye maxa wambi iindlela ezingekho mthethweni.

Indlela ukukhupha isabelo contract

Loo uxwebhu kuthiwa isivumelwano umsebenzi okanye isivumelwano isabelo iimfuno amalungelo. Yeyona ixhaphakileyo ukhetho kwimeko enjalo, njengoko intengiso kwamatyala yequmrhu (kwaye kwakhona emzimbeni). imvume onetyala ukuze kugqitywe isivumelwano eso.

Ukunikezelwa esetyenziswa kwiindawo ezininzi, hayi kuphela yokubolekisa ngemali. Kodwa, ngokomthetho Russian, isivumelwano ayide ikwazi kugqitywa ngokunxulumene izibophelelo zobuqu. Umzekelo, imbuyekezo ngenxa yomonakalo eziphathekayo yokuziphatha, akayi kuba ingadluliselwa isondlo.

Isivumelwano esinjalo ngesiqhelo ekwi kwiimeko apho otyalwayo akakwazi ukuqokelela amatyala ngokwakho. Ngamanye amaxesha, abantu kunye amaqumrhu asemthethweni kungokuvumelana imvume umsantsa ngale ndlela yayivele nezibophelelo. Eso sivumelwano ekunokugqitywa nokuba ngentlawulo okanye simahla.

Amaqela kwisivumelwano

Ukuba wenziwe yokuthengisa ematyaleni, amaqela esivumelwano zimi ngolu hlobo lulandelayo:

• ababekelwe - lowo othenga umnini omtsha ilungelo ibango;
• assignor - lowo uthengisa otyalwayo yokuqala.

An iqumrhu unyanzelekile ukuba ahlawule ityala, nangona iqela kwisivumelwano esinjalo, akujongwa wesithathu, njengoko imvume yayo intengiselwano ingafuneki.

Kuxhomekeka kwinani kunye iimpawu amaqela kwisivumelwano intengiselwano isabelo nabanako ukwahlulelana ngolu hlobo lulandelayo:

• Ukuthengiswa kwamatyala wobambiswano amaqumrhu asemthethweni - ngokufuthi ikhangeleka eqhelekileyo ngokuhlanganisa lweshishini. Enyanisweni kuphela ukutshintsha igama onetyala kunye iqumrhu elisemthethweni ngokwayo iya kuhlala injalo.
• Transition kwamatyala umntu ngokusemthethweni abantu bendalo - ngokuqhelekileyo xa ukumiswa kwetyala kuthatha phezu owayesakuba ngumlawuli. Kwetyala idluliselwe ekuqaleni omtsha phezu nemiqathango efanayo ngomlinganiselo ofanayo.
• Imvumelwano phakathi abantu emzimbeni - uncedo ubhaliso ngetyala, ukwahlulwa kwepropati phezu mtshato, ukuhlawulwa kwamatyala abazali abantwana njalo-njalo.
• Olunxantathu isivumelwano isabelo - xa onetyala Kuyaziswa ukuba ityala lakhe zithengiswe, yaye oku kungqinwa ngakwisiginitsha yakhe.

Xa naluphi uhlobo ikhontrakthi yesabelo leqela inokuba arhente eqokelela.

Iimpawu kwesivumelwano kunye nemixholo yawo

Isivumelwano sentengiso ematyaleni (isampuli eboniswe ngezantsi) kufuneka siqulathe ezi zinto zilandelayo:

• imali yetyala;
• ubukho kunye imali yesohlwayo;
• kubhekiswa mvumelwano yokuqala, ukupheliswa ezabangela ukuba ityala;
• isakhelo ixesha apho kuyimfuneko ukuze uhlawule le mali;
• contact ulwazi kunye zebhanki iinkcukacha zamaqela;
• i uxanduva olubalulekileyo olunikwe onetyala.

Kuxhomekeka imihlaba sivumelwano of ukunikezelwa ingasetyenziswa kwiindawo yemisebenzi yoqoqosho;

• sabelo yelungelo yesinyanzeliso izindlu - ngale ndlela unako uthengise indlu, ezithengwe-mboleko, kwanokuba mboleko ayikho ubuyisele;
• ukunikezelwa-inshorensi - ukudluliselwa kusenokwenzeka wobungozi IC;
• Iimfuno isabelo izivumelwano zobonelelo - ukusetyenziswa kahle, oko kukuthi isimemo kwiibhanki umlamleli, leyo unelungelo lokufuna intlawulo ezifunyenweyo;
• ukuthengiswa kwamatyala isivumelwano kwesivumelwano ;
• ukunikezelwa kumaziko zebhanki credit - nokuqokelelwa kwamatyala yokuthengisa arhente;
• isabelo ungonakala - indlela yokunciphisa akhawunti ezifunyenweyo.

Iimpawu ukuba ityala lakho okuthengiswa

Njengoko usazi, kuba amaqumrhu asemthethweni akukho kaninzi iba intengiso ityala ngomothuko, yaye ngamanye amaxesha ngokuzithandela kwaye ibe zezinqwenelekayo. Yintoni enokuthethwa mboleko, eyenzelwe ngabantu. Emva koko ukuthenga ityala abaqokeleli kaninzi iba wothuka.

Indlela ukuqonda ukuba mboleko yakho wathengisa? Kufuneka uqale kuyima ukuba:

1. Ufumana iminxeba kubantu ezingaziwayo nemfuneko ukuhlawula ityala. Lungise, benza ngayo okulungileyo, yaye wacela ukuthumela ileta ezibhalisiweyo isivumelwano sabelo.
2. Awukwazi ukuhlawula imali ngenyanga kwaye ufumane impendulo ukuba i "-akhawunti ivaliwe." Qhagamshelana ebhankeni ingcaciso. Imeko isenokuba luphawu ukuba iingxoxo kwinkundla evulelekileyo.
3. Kufunyenwe isaziso kwinkampani eqokelela amatyala efuna ukuhlawula ityala. Kungenzeka sele ithengiswe. Ingcaciso engaphezulu ingafunyanwa kwi ibhanki okanye kule nombolo yefoni enikwe kule ncwadi.
4. Usifumene isaziso esivela ebhankini ukuba ityala lakho yathengiselwa umntu wesithathu. Oku ileta, SMS, umnxeba, okanye enye indlela. Ukuba usenemibuzo, unako kwakhona uqhagamshelane iziko yezimali ingcaciso.

Yintoni onetyala?

Eyona nto ibalulekileyo - musa ukothuka. Kufuneka uqonde ukuba le meko ayikatshintshi kangangoko unako ngqondweni kubaqokeleli. izibophelelo zakho zihlala zifana, ukutshintsha kuphela umbolekisi, kodwa ngokuqinisekileyo hayi nemiqathango yesivumelwano. Oku kuthetha ukuba, kungakhathaliseki ukuba yintoni umlinganiselo impembelelo kuwe okanye kusetyenziswa, akuyi kuhlawula nantoni ngaphezulu koko kubonelelwe yi ikhontrakthi yokuqala.

1. Fumana izandla zakho phezu ikopi yesivumelwano isabelo. Oku kunokwenziwa ebhankini, yaye abaqokeleli. Ukuba isivumelwano eso akakho, awuyi kuhlawula nantoni na, ubuncinane de kube lelo xesha ayisayi kukhutshwa isigqibo ohambelana wenkundla.
2. Fumanisa imali ngqo ematyaleni kuthathelwa ingqalelo iinkcazo eneenkcukacha: umzimba mboleko, inzala, izohlwayo, izohlwayo, njalo-njalo. Ukuze wenze oku, yenza isiqinisekiso ekhethekileyo ebhankini.
3. Qokelela onke amaxwebhu kunokwenzeka ukuba mboleko: isivumelwano, isivumelwano ngalo isatifikethi isibambiso guarantors, ishedyuli lokuhlawula, iirisithi intlawulo. Yenza ingxelo kwi-akhawunti ekufakwa kuyo imali, oko kuchazwe ngokucacileyo ukuba xa uhlawula.

Zonke ezi maxwebhu aya kunceda ukusingatha arhente eqokelela, okanye ibe luncedo enkundleni. Kwaye khumbula: Ukuba awunalo nabaqokeleli kwi ezandleni mvumelwano malunga nokuthengiswa ityala lakho, awanalo ilungelo lokufuna ukuba kuwe imali.